Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
hi all,
ive sent in my prelim letter, asking for £175.00 in charges back, today I recived a letter, stating that althrough oft have ivestigated charges it was only credit card charges, and therefore is nothing 2 do with the banks!! they stated that their charges are competative and fair, even tho they accept that credit card charges r excessive at £25.00 a pop!! I was charged £50.00 a month!! hmmmmmmmmm, lba ready 2 go on monday!!
any one else had this response??
helen
NatWest S.A.R-05/06/06 Bug**r all recieved 03/11/06 Prelim guesimate sent for £3000 03/11/06 Cr*p one CONNED statements 08/06 ROFLMAO Cr*p one charges=£976 con int 34.9% £1,003.75 £1,979.75.
yep but you need to wait until the 22nd [ full 14 days]
OK I GIVE IN
Halifax £3600 charges, won with C/I £6400
NatWest S.A.R-05/06/06 Bug**r all recieved 03/11/06 Prelim guesimate sent for £3000 03/11/06 Cr*p one CONNED statements 08/06 ROFLMAO Cr*p one charges=£976 con int 34.9% £1,003.75 £1,979.75.
A and L will let you file, they will then write to the court and say they are going to defend. They wont. You will get your cheques about a week after this notification from the court.
Then they will write and tell you that they closing your account. Hope you have your parachute account open
There is a link in the Template library for the mcol claim . If I were you, I would read up on how to word the claim so you get it right the first time and remember you ar the Claimant, A & L is the Defendant. Don't end up suing yourself. Once you have filed, the courts take over, they will send everything to A & L and then notify you. You stick to the Court's timelines.
I did my claim manually, so really can't tell you the exact process of filing on line. Someone else might be able to comment on this.
hi,
just 1 question, how r the charges paid back, as I no longer have the account with a&l, it was passed on to a debt collection team, and I still owe around £110, on that account which was the charges I am claiming for, if/ when they pay up do they clear that outstanding debt then send me the change for the rest as the total claim is for £175.00 or do they just send me a cheque for the full amount and I pay it off?? the only reason I need to know is so I can be fair to my other creditors as I am planning to go bankrupt and cannot give a creditor preferencial treatment.
thanks h
hi,
Im a bit late in my timetable for my mcol, been in hospital, but before I send it I want to check I've done everything correct, I have sent a prelim and a lba, times up and I've had the standard replys, been filling in my mcol on line and just want to check which bank address I use as it gives u many options, also do I need to send the courts a copy of my schedual of charges with the 8% intrest added on, if so how do I do this as I cant seem to find a way to link it online, is there an address to send it too, and if so does any one know it? and do I need to send this new schedual to the banks as I have not sent them the new one with the intrest yet.... is this correct?? any advice before I take the last step?? scared!! thanks
H
Use the Leicester bank address on your mcol as the postcode on the bootle one will not be recognised!
As for the schedule of charges, I posted mine as some said it was necessary some said it was not but I figured it couldnt hurt & id rather send it and it not be needed than mess up my claim by not sending it! Addy is
Northampton county court
21-27 St Katherine's Street
Northampton
NN1 2LH
I dont think you need to send it to the bank as they can get it from court.
hi, Ive just recived a letter from Barclays whom im also claiming from saying they will offer 360 on a 780 claim, but they will just take it of my debt of 1000, i also owe a and l 120, my claim is 4 175, if they just use the money towards my debt theres no reason persuing it as im going bankrupt soo and this would mean i would effectivley be paying the mcol charges of 30 and 80 for nothing so my query is if i go to court would i recive the money or would it just go back to the banks? i need 2 know as im just about 2 pay the mcol, but if the banks will keep the money then i shall pay my other bills instead, help
ht v al
ready 2 go on monday!!
Reply With Quote
Re: ht v al
hi,